Type

Units

Min Area

Price Range

3 BR

980 sqft

S$620K

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$620K.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$124K on this acquisition.
Located 8 min (700 m) from EW23 Clementi MRT Station.

Housing Grants & Financing

Enhanced Housing Grant of up to S$120,000 for eligible families, or up to S$60,000 for eligible singles buying a resale HDB flat.
Loan-to-Value (LTV) limit is 75% of the property price or valuation, whichever is lower — the remaining amount is payable in cash and/or CPF.
Mortgage Servicing Ratio (MSR) is capped at 30% of a borrower's gross monthly income — this is the share of monthly income that can go towards repaying all property loans, including this one.
Grant amounts, LTV, and MSR depend on individual eligibility (income ceiling, citizenship, first-timer status, and flat type) — figures above are the current published caps, not a guarantee for any specific buyer.

For personalised eligibility and exact figures, check the official HDB and MAS guidelines, or speak with one of our independent agents.

Price Trends & Rental Yield

Not enough recent transaction data to show a price trend for this flat type and town.

Interested in this property?

Send a quick enquiry our Singapore Property team will reach out within 24 hours.

205 Clementi Avenue 6: An Established HDB Development in Singapore's West Region

205 Clementi Avenue 6 represents a mature housing precinct within the Clementi neighbourhood, one of Singapore's enduring residential destinations. Situated in the west, this development benefits from decades of community infrastructure and established neighbourhood character. The property type comprises HDB flats across varied unit configurations, presenting options for owner-occupiers seeking stable housing and investors exploring yield-generating assets within the public housing sector.

The development's location positions residents within approximately eight minutes' walking distance of Clementi MRT Station on the East West Line (EW23). This proximity to mass transit has underpinned the area's sustained appeal, enabling commuters to reach the CBD and other employment hubs efficiently. The walkability factor also enhances daily convenience, connecting residents to local dining, retail and essential services concentrated around the MRT interchange.

Pricing and Market Position

Available units at 205 Clementi Avenue 6 are priced from the mid-S$600,000 range, positioning the development as an accessible option within Singapore's HDB resale market. This price bracket reflects the property's mature age, established neighbourhood credentials and proximity to transport infrastructure. For first-time buyers navigating the HDB ladder, these price points offer a realistic entry tier; for upgraders transitioning from smaller units or other precincts, the development presents an intermediate step toward larger floor plates without premium pricing typical of newer launches or prime locations.

The per-square-foot valuations at 205 Clementi Avenue 6 align with broader Clementi district trends, where HDB resales typically range between S$600–S$750 psf depending on unit age, floor height and renovation condition. Recent transactions in the vicinity suggest modest annual appreciation, consistent with the established HDB secondary market where demand is driven by upgraders and investor interest rather than speculative momentum.

Unit Mix and Floor Plans

The development houses a heterogeneous mix of three-bedroom and two-bedroom units, alongside one- and two-bedroom variants across different floors and blocks. This diversity allows prospective buyers to align unit selection with household size, lifestyle requirements and investment objectives. Three-bedroom units of approximately 980 square feet represent the larger end of the offering, suited to young families or investors targeting broader tenant demographics; smaller configurations serve singles, couples and downsizers prioritising affordability and reduced maintenance.

Investment Considerations and Rental Yield

For investors acquiring units at 205 Clementi Avenue 6 as a rental asset, estimated gross rental yields typically range between 3.5% and 4.5% depending on unit type, floor level and condition. A three-bedroom unit purchased in the mid-S$600,000 band could generate monthly rents around S$1,800–S$2,200, translating to annual yields in the 3.5–4% range. Clementi's established character and MRT proximity support consistent rental demand from both young professionals and families relocating within Singapore, though yields vary by floor level, orientation and proximity to lift lobbies. Investors should account for HDB regulations, including the mandatory five-year holding period and rental eligibility requirements, which may constrain short-term capital gains strategies but support stable, medium-term investment horizons.

ABSD and Additional Buyer Considerations

Singapore Citizens purchasing a second residential property, whether HDB or private, incur Additional Buyer's Stamp Duty (ABSD) at the rate of 20% on the purchase price. For a S$650,000 unit acquisition, this translates to approximately S$130,000 in duty payable at completion, materially affecting total acquisition costs. Investors and upgraders should embed ABSD into financial planning, as it reduces initial equity and may compress yield projections. First-time HDB buyers remain exempt from ABSD, making 205 Clementi Avenue 6 an attractive entry point for those acquiring their first residential property under HDB guidelines.

Lease Tenure and Long-Term Holding Considerations

As an HDB property, units at 205 Clementi Avenue 6 are held on 99-year leases granted at inception, placing them well into their useful life. The development's vintage means that many units have already accumulated 30–40 years of lease decay since grant. Whilst 99-year leases provide sufficient residual value for mid-term ownership and financing, buyers should be cognisant of HDB's future lease-decay policies and potential valuation impacts in later decades. Financial institutions typically reduce loan-to-value ratios as leases approach renewal windows, affecting refinancing prospects and exit flexibility for long-term holders. For owner-occupiers with five to ten-year time horizons, lease tenure poses minimal practical concern; investors and those contemplating 20+ year holdings should factor in potential valuation moderation as tenure contracts.

MRT Proximity and Commuting Networks

The eight-minute walk to Clementi MRT Station (EW23) anchors the development's attractiveness for working professionals and families requiring island-wide connectivity. The East West Line connects directly to Outram Park, enabling onward interchange to the North-South Line and access to Marina Bay and CBD employment clusters. From Clementi station, commuting times to Raffles Place, Tanjong Pagar and Outram Park typically range between 10–15 minutes, favouring the development for finance, law and professional services workers. This transport accessibility has historically supported capital appreciation and rental demand, though marginal improvements to competing precincts or extensions of other lines may modulate relative advantage over longer timescales.

Neighbourhood Facilities and Community Infrastructure

The Clementi precinct hosts a matured ecosystem of schools, primary care clinics, wet markets, supermarkets and dining options within walking radius. Nearby primary schools include Clementi Primary and others within the Clementi planning zone, supporting families with young children. The presence of hawker centres, shopping malls and community clubs ensures residents access essential services without dependency on private transport. Long-term holders benefit from the stability of this established infrastructure, though newer developments in growth corridors such as Jurong East or Bukit Batok may offer incrementally fresher amenities.

Suitability Across Buyer Profiles

For first-time HDB buyers, 205 Clementi Avenue 6 offers a balanced combination of affordability, location and unit availability, with pricing accessible to median household incomes utilising HDB concessional financing. Upgraders moving from one-bedroom or two-bedroom units find the three-bedroom configurations appropriate for expanding families without premium pricing relative to newer developments. Owner-occupiers seeking stability over capital gains view the mature location and transport links as priority factors; investors prioritise steady yields and liquid exit markets supported by Clementi's consistent demand base. High-net-worth buyers typically view HDB acquisitions as portfolio diversification or legacy assets rather than primary wealth-building vehicles, given regulation-imposed restrictions and lower absolute returns compared to private property.

Financing and TDSR Considerations

At typical 205 Clementi Avenue 6 price points, financing headroom remains workable for employed residents. A S$650,000 unit purchased with 20% down payment (S$130,000) requires a S$520,000 mortgage at prevailing HDB loan rates (currently around 2.6% per annum). Over a 25-year tenure, indicative monthly servicing costs approximate S$2,100–S$2,200, requiring gross household monthly income around S$6,500–S$7,000 to satisfy typical Total Debt Service Ratio (TDSR) caps of 35%. Dual-income households in the S$120,000–S$150,000 annual income band typically qualify comfortably; single-income earners in the S$80,000–S$100,000 range may face tighter headroom. Rising interest rate environments modulate serviceability, warranting stress-testing of monthly commitments against variable rate scenarios.

Market Comparability and Future Supply Dynamics

Clementi competes directly with adjacent precincts including Jurongville, Bukit Batok, and increasingly, newer BTO launches in peripheral growth zones. Established HDB developments in the West Region command stable demand but face incremental competition from fresh BTO supply and private property alternatives as wealth accumulates. The Clementi precinct's mature character and fixed unit inventory (no new BTO supply anticipated in the immediate vicinity) support long-term pricing stability and rental-yield sustainability, though capital appreciation potential is modest relative to growth corridors. Investors comparing 205 Clementi Avenue 6 to competing second-hand HDB stock typically encounter similar yield profiles; choice hinges on unit condition, floor level and individual block amenities.

Frequently Asked Questions

What is the estimated rental yield for investors purchasing units at 205 Clementi Avenue 6?

Estimated gross rental yields at 205 Clementi Avenue 6 typically range between 3.5% and 4.5% depending on unit type and condition. A three-bedroom unit in the mid-S$600,000 price band would likely generate monthly rents around S$1,800–S$2,200, equating to annual yields of approximately 3.5–4%. Clementi's established character, proximity to Clementi MRT Station and stable tenant demand from young professionals and families support consistent rental performance. Investors should note HDB's five-year minimum holding period applies, and rental eligibility restrictions may apply depending on citizenship and residency status; these regulatory frameworks support medium-term investment horizons rather than short-term capital gains.

How does pricing per square foot at 205 Clementi Avenue 6 compare to recent HDB transactions in Clementi?

Recent HDB resales in the Clementi district typically trade between S$600–S$750 psf, with 205 Clementi Avenue 6 units aligning within this range. The development's mature age, established neighbourhood position and MRT proximity support per-psf valuations consistent with other secondary-market HDB stock in the West Region rather than commanding premium pricing typical of newer BTOs or fresh launches. Annual appreciation in this segment has historically ranged between 1–2% in real terms, reflecting stable demand fundamentals without speculative momentum. Prospective buyers should benchmark individual unit prices against recent nearby comparables, as floor height, renovation condition and block position create meaningful variance within the overall development psf band.

What is the Additional Buyer's Stamp Duty (ABSD) impact for second-property buyers at 205 Clementi Avenue 6?

Singapore Citizens purchasing 205 Clementi Avenue 6 as a second residential property incur Additional Buyer's Stamp Duty (ABSD) at 20% of the purchase price, payable at completion. For a S$650,000 unit, ABSD liability totals approximately S$130,000, materially increasing acquisition costs beyond the base purchase price. This 20% duty applies to both HDB and private residential properties and must be factored into financing capacity and net equity calculations. First-time HDB buyers remain fully exempt from ABSD, making 205 Clementi Avenue 6 an accessible entry point for owner-occupiers purchasing their first residential property; investors and upgraders acquiring second properties should embed the 20% ABSD duty into total cost of ownership to accurately assess yield and affordability headroom.

What lease decay and resale value risks apply to 205 Clementi Avenue 6 given its mature HDB tenure?

205 Clementi Avenue 6, as a mature HDB development, operates under 99-year leases granted at inception, with many units now carrying 30–40 years of accumulated decay. Whilst 99-year leases provide ample residual value for purchase, ownership and refinancing over 10–20 year timeframes, extended holding periods beyond 30 years may face modulated resale demand and reduced loan-to-value ratios as tenure contracts further. HDB regulations governing lease renewal and potential policy changes in future decades introduce uncertainty for very long-term holders; financial institutions progressively reduce lending ratios as leases deteriorate, constraining refinancing flexibility. For owner-occupiers with 5–10 year horizons, lease tenure poses minimal practical concern; investors contemplating 20+ year holdings should factor potential valuation moderation into return projections and exit planning.

How does Clementi MRT Station proximity influence demand and long-term capital appreciation at 205 Clementi Avenue 6?

Clementi MRT Station (EW23) lies approximately eight minutes' walk from 205 Clementi Avenue 6, providing direct East West Line access to Outram Park, Marina Bay and CBD employment hubs within 10–15 minutes. This transport accessibility has historically underpinned consistent rental demand and supported modest capital appreciation relative to more peripheral HDB precincts without MRT proximity. The MRT connection benefits working professionals, families requiring island-wide connectivity and tenants seeking convenient commuting without private vehicle dependency. However, incremental infrastructure improvements to competing precincts and future extensions of alternative lines may marginalise Clementi's relative transport advantage, tempering long-term appreciation potential compared to emerging growth corridors; the established MRT access secures steady demand rather than generating speculative capital gains.

Which buyer profiles are best suited to purchasing units at 205 Clementi Avenue 6?

First-time HDB buyers find 205 Clementi Avenue 6 highly suitable, with accessible mid-S$600,000 pricing, ABSD exemption and diverse unit configurations matching household size needs. Upgraders transitioning from smaller units or other precincts view the development as an intermediate step toward larger floor plates and established neighbourhoods without premium pricing. Owner-occupiers prioritising stable, mature communities over capital gains appreciate Clementi's long-established infrastructure, schools and services. Yield-focused investors target steady 3.5–4% rental returns and liquid secondary-market exit prospects, though HDB regulations and five-year minimum holding periods support medium-term strategies rather than short-term trades. High-net-worth individuals typically acquire HDB properties as portfolio diversification or legacy assets rather than primary wealth-generation vehicles, given regulation-imposed ownership restrictions and lower absolute returns relative to private property.

What are typical TDSR headroom and financing requirements at 205 Clementi Avenue 6 pricing levels?

A S$650,000 unit purchased with standard 20% down payment (S$130,000) requires a S$520,000 HDB mortgage at prevailing rates around 2.6% per annum, generating indicative monthly servicing of S$2,100–S$2,200 over 25 years. Typical Total Debt Service Ratio (TDSR) caps of 35% imply a gross household monthly income requirement of approximately S$6,500–S$7,000, or annual household income around S$78,000–S$84,000. Dual-income households in the S$120,000–S$150,000 annual income band typically qualify with substantial headroom; single-income earners in the S$80,000–S$100,000 range approach tighter approval thresholds. Rising interest rate environments compress serviceability, warranting stress-testing against potential rate increases; buyers should verify individual circumstances with HDB financing advisors, as existing debts and variable rate scenarios affect practical headroom.

How does 205 Clementi Avenue 6 compare to competing HDB developments in the West Region?

205 Clementi Avenue 6 competes directly with established HDB stock in adjacent Jurongville, Bukit Batok and Clementi precincts, where per-psf valuations, rental yields and unit availability move in tandem with West Region market dynamics. The development's mature age and fixed inventory (no new BTO supply anticipated in immediate vicinity) differentiate it from newer BTOs in growth corridors, which offer fresher amenities and potentially stronger capital appreciation but command higher pricing. Clementi's stable demand base and established MRT access support consistent rental performance comparable to other secondary-market HDB precincts; choice between competing developments hinges on unit condition, floor level, block amenities and individual buyer timeline rather than fundamental yield divergence. Investors comparing 205 Clementi Avenue 6 to newer BTO locations should weigh immediate availability and stable yields against potential long-term appreciation in fresher developments.

Which unit stacks, floors or blocks at 205 Clementi Avenue 6 typically offer best value?

Mid-floor units (between 4th and 15th storey depending on block height) at 205 Clementi Avenue 6 typically offer optimal value, balancing reasonable psf premiums against lift accessibility and view quality preferred by tenants and upgraders. Lower floors (ground to 3rd) command discount pricing but face reduced rental appeal for families with young children and may experience higher vacancy in competitive seasons. Higher floors (15+ storeys) attract per-psf premiums reflecting superior views and natural light, yet represent diminishing return-on-investment for yield-focused buyers given modest additional rental uplifts. Units facing open courtyards or green spaces typically attract 2–3% premiums over inward-facing counterparts, supporting slightly higher rental rates and tenant satisfaction. Proximity to lift lobbies influences daily convenience; units requiring longer corridor walks may trade at modest discounts but retain reasonable rental appeal for cost-conscious tenants, presenting value opportunities for investors willing to accept lower absolute rent in exchange for tighter psf acquisition costs.

What future supply pipeline and district development plans could affect 205 Clementi Avenue 6's long-term value?

The Clementi planning zone faces limited new HDB BTO supply in the immediate pipeline, with governmental housing focus increasingly directed toward growth corridors in the Northeast and East regions. This constrained new supply in Clementi's immediate vicinity supports long-term value retention for existing HDB stock, as upgrader demand faces limited alternatives within the established precinct. However, broader West Region supply initiatives, including large BTO launches in Bukit Batok and new developments in peripheral growth zones, introduce indirect competition for upgraders and investors considering entry into the West. Infrastructure projects such as potential enhancements to Clementi transport nodes or community amenities could support marginal appreciation; conversely, competing newer developments with fresher amenities may modulate Clementi's relative appeal to younger buyers despite stable rental fundamentals. Long-term holders should monitor HDB annual BTO release schedules and West Region planning announcements to gauge emerging supply pressures that might influence exit timing and capital appreciation prospects.

[For Sale] Hdb Flat At 205 Clementi Avenue 6 — From S$620K